I finally decided to cash out a bit of my SBD last night after thinking about this issue with paypal. I had a coinbase wallet setup to work through my bank account so I cashed out 10.5 SBD to see what would happen. it takes about 3 business days to transfer the U.S.D to a bank account. I used litecoin for the trade because I heard the fees for bitcoin are higher. It cost me a 2.99 fee to get my transfer, and I'm supposed to get 51 dollars and change in the bank account on Saturday. I'll see how that goes.